Expertise. Experience. Empathy.

Private Financer Singapore - Financing Beyond Your Banks

Our business

Alternative Financing Solutions Made Easy.

Armed with an in-depth knowledge of the ALTERNATIVE FINANCING industry in Singapore, our finance brokers aim to secure PRIVATE FINANCING SOLUTIONS for businesses and property owners. From our wide network of non-bank lending institutions, our company can help you explore other loan options when a conventional bank loan is not possible.

Our goal is to simplify the process, guiding you through each step of finding the right alternative financing solution—one that aligns with your business goals or property investments. Whether you need urgent funding for a time-sensitive opportunity or long-term financing to grow your business, our finance brokers ensure that you’re presented with options that are aligned with your needs.

Happy clients

Loans funded

Years of combined experience

Our team

WHO ARE WE

We are in this together

Our company started as a boutique mortgage advisory firm specializing in NON-BANKS mortgage loans. Today, we have expanded our services, aiming to help you secure alternative financing solutions for your business, property and personal needs when the banks can’t or won’t (do it for you).

Wide Network of Non-Bank Lending Institutions

Our direct access to more than 40 private lending institutions (including family offices) allows you to make quick residential and commercial real estate deals happen when others cannot.

Customized Loan Programs

Our loan brokers will work closely with our established network of law firms & valuation firms to link you to a suitable lender. This helps you gain access to a loan program that is tailored to your specific goals.

What we do

Our Services

Quick facts of our alternative mortgage solutions

Loan Amount – SGD 200K to SGD 30MIL
Flexible Loan Tenure – From 3 months to 15 years
High LTV Limit – Up to 85%
Low Interest Rate – From 7.25% p.a. onwards
Fast Loan Approval – Within 3 days from submission of complete documents
Quick Funds Disbursement – Within 3 days from loan acceptance

HOW WE CAN HELP WITH YOUR PROPERTY FINANCING ISSUES

Do you know that it is 100% legally permissible in Singapore for one to get business, property, or personal loans from a private lending institution other than a traditional bank? In fact, these alternative solutions provide greater flexibility and prompt approval times, making them ideal for those who may not fit the conventional bank criteria. If you need help in securing a loan, our loan brokers can work closely with you to find one that suits your circumstances and needs.

Quick facts about our private financing solutions

Loan Amount – SGD 200K to SGD 30MIL
Flexible Loan Tenure – From 3 months to 15 years
High LTV Limit – Up to 85%
Low Interest Rate – From 7.25% p.a. onwards
Fast Loan Approval – Within 3 days from submission of complete documents
Quick Funds Disbursement – Within 3 days from loan acceptance

Business / Property Owners

Are banks’ lending parameters too tight or inflexible for your scenarios?

If securing a loan from conventional banks has proven challenging, consider alternative options through private lending institutions in Singapore. Our experienced loan brokers can connect you with a network of private lenders, offering business loans without collateral or private property loans when traditional financing isn't available.

Lenders

Our panel of non-bank lending institutions aims to provide financing for businesses and properties that traditional banks may overlook or decline.

They are established private lending entities, providing unlevered capital to address urgent funding requirements or lucrative opportunities that would otherwise be missed. Whether it's for business expansion, property investment, or any time-sensitive financial need, our lending partners are here to ensure you get the support you need when you need it most.

“To secure the best NON-BANK FINANCING SOLUTIONS within the shortest possible time for BUSINESS & PROPERTY OWNERS when banks are closing doors on them.”

Greystone Advisory

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Case Study

Recent Deals Done

Our private finance brokers take care of clients, and it shows.

Need more proof of our success?

Check out these actual deals we’ve helped our client acquire, showing our professional prowess and commitment.

How we helped

OUR PARTNERS

Situation 1	BANK’S REPOSSESSION
Deal Type	Refinancing with Fresh Cash-Out
Property	3 Bedroom Condo along Meyer Road
Property Value	$3.2M
New Loan Amount	$2.4M (with fresh cash-out of $500K)
LTV	75%
Synopsis	Customer, age 51, a senior marketing director in the food logistics industry, was being retrenched in August last year without any prior notice. With his wife being a full-time homemaker, he found himself soon having difficulties in servicing his mortgage repayments, resulting in the bank taking steps to repossess the property for a mortgagee sale within a short span of 6 months. Despite only having a $1.4M outstanding mortgage with $600K of CPF usage, the bank was unable to grant him additional cash-out facilities to tide him through this challenging period, as he couldn’t pass the 55% TDSR threshold in the absence of regular reported income.
Solution (1)	Luckily, the customer managed to find us in time and we eventually saved his house from being repossessed. Arranged our private property lender to grant a $2.4M mortgage loan, out of which $1.4M to redeem his existing mortgage, $600K to refund to CPF with remaining $400K fresh term loan for his personal use, which includes servicing of the monthly instalments with the new private lender.
Solution (2)	The customer managed to find a new employment sometime in March this year. We had since successfully helped the customer to refinance the $2.4M from the private lender sometime in September this year.

Situation 3	INHERITANCE DISPUTES
Deal Type	To finance purchase of sibling’s share in the property
Property	Sem-Detached house along Jalan Seaview
Property Value	$$7.5M
New Loan Amount	$2.8M
LTV	37.5%
Synopsis	Customer, age 62, had jointly inherited the above fully-paid property together with his sister when their father passed away sometime in June last year. Both siblings were at constant disagreements regarding the sale of the property. Customer had always wanted to keep the property for future capital appreciation and his sister was in favour of selling the property so that she could use the sales proceeds to fund her new condo purchase.
Solution (1)	Unable to reach a consensus, the Customer then wanted to buy over his sister 50% equity stakes in the property (valued at $3.75M). Customer was unable get the bank to finance his part purchase exercise as he cannot meet the TDSR requirement and loan tenure. We then managed to get our private lender to finance his purchase of his sister’s share with a $2.8M loan (with a 75% LTV against the $3.75M purchase price)
Solution (2)	Separate financing had also been arranged for the remaining $950K cash difference (being the balance of the remaining 25% purchase price), which was secured by pledging part of Customer’s 50% stakes in the property as well.

Situation 2	BANKRUPTCY LAWSUIT
Deal Type	Refinancing with Fresh Cash-Out
Property Type	Detached House in Newton Area
Property Value	$14M
New Loan Amount	$10M
LTV	71.4%
Synopsis	Customer, age 72, was facing one of the biggest challenges as a veteran businessman, when one of his suppliers had filed a bankruptcy application against him (being the guarantor for his group of F&B companies). After successfully obtained the court judgement for a claim-sum of $1.9M, the customer was eventually given 2-month timeline to settle the payment, failing which he would be in imminent danger of being declared a bankrupt, thus crumbling his business empire which he had built for decades. Despite only having an outstanding mortgage of $7.5M (with a 53.5% LTV against its $14M valuation), no bank is willing to explore the fresh financing in view of his age and more importantly, the pending bankruptcy lawsuit.
Solution	Secured a $10M financing (@ 71.4% LTV from a non-bank lender, out of which $8.5M was to redeem his existing bank loan with another $1.9M to be earmarked to be paid to the supplier on the agreed deadline. Remaining $600K was disbursed to the Borrower for his personal use. With the payment made to the supplier and eventual complete withdrawal of the bankruptcy application, we have thus successfully helped our customer to avert the disaster of being made a bankrupt at this age and he can now refocus on rebuilding and restructuring his other business portfolio

Challenge 6	MULTI-PROPERTIES OWNER
Deal Type	Refinancing (with fresh cash-out)
Property	Good Class Bungalow (“GCB”) in Holland vicinity
Property Value	$70M
Existing Mortgage	$28M
New Loan Amount	$50M (with fresh $22M cash-out)
LTV	71.4%
Synopsis	At the age of 60, our borrower stood as a seasoned property investor with a remarkable portfolio of prestigious GCBs and luxurious Sentosa Bungalows. His journey was a testament to years of astute investment decisions. However, even a seasoned investor can face hurdles. Despite his impressive corporate and professional profile, the ever-evolving TDSR regulations had cast a shadow over his aspirations for further financial growth. His own bank had to adhere to these stringent regulations, leaving him unable to access additional facilities.
Solution	With determination and creativity, we set out to secure a $50 million mortgage loan from a non-bank lender. What made this solution stand out was the 18-month interest servicing repayment plan. Now equipped with fresh capital, our borrower could breathe new life into his retail business, expanding it like never before with a $22 million cash-out facility. But our assistance didn’t stop there. We successfully guided the borrower in refinancing the mortgage loan back to a local private bank just nine months after the initial disbursement. This win is a narrative of resilience and adaptability.

Challenge 3	POOR CREDIT GRADING
Deal Type	Refinancing with Fresh Cash-Out
Property	Bungalow in Katong
Property Value	$9M
Existing Loan	$5M
New Loan Amount	$7.5M (with fresh $2.5M Cash-Out)
LTV	83.3%
Synopsis	At 62 years old, our customer faced a roadblock. His aspirations for additional mortgage financing hit a snag as his bank hesitated due to both his age and an unfavorable “HH” credit bureau rating. This rating was a result of overdue credit card facilities amounting to a hefty $1.2 million.
Solution	With a determined spirit, we sought out an alternative path. Through our network of non-bank lenders, we secured a remarkable $7.5 million term loan facility. It was not just a financial transaction; it was a lifeline. The first step was to use $2.5 million of this fresh term loan to clear off the burdensome $1.2 million in overdue credit card facilities. It was a moment of relief, a chance to leave the past behind. But that was not all. The remaining funds were now at our customer’s disposal for personal investments, a fresh start to chase new dreams. This story encapsulates our commitment to finding solutions when doors seem closed. .